435 yuan a year.
According to the loan interest rate, it is 4100004.35%1= 65438+the interest of the bank's loose socks loan for one thousand years.
Discount generally refers to discount interest. Refers to the interest paid by the holder to the bank to offset the interest when the holder applies to the bank for discount denomination; Short for "discount".
Second, how to calculate the discount?
"Discount" is the abbreviation of "discount interest", which refers to the discount interest paid to the bank by the holder who applies to the bank for discount denomination.
Calculation method of discount:
Discount interest = discount amount × discount days × daily discount rate
Daily discount rate = monthly discount rate ÷30
Actual paid amount = face amount-discounted interest
Discounts are divided into housing discounts, loan discounts and deposit discounts.
Housing discount: it is called "personal housing loan policy discount service". When a commercial bank issues a loan, the discount amount is the interest difference between the provident fund loan interest rate and the commercial bank loan interest rate based on the loan amount that can enjoy the discount. This part of the difference is paid to individuals by the housing provident fund management center;
Loan discount: Discounted loan is a commercial personal housing loan issued by the provident fund management center in cooperation with relevant commercial banks. Any borrower who meets the discount conditions of the management center will be given a discount by the management center according to the discount amount that the borrower can apply for and the interest difference between the commercial individual housing loan and the housing provident fund loan;
Deposit discount: Negative deposit interest deducted according to the discount rate. For example, if you have an acceptance bill or time deposit certificate due in three months, you need to use cash now. If you change it into cash, the acceptor will lose interest for three months, so you need to deduct the interest loss from the cash given to you. This deducted interest is a discount on deposits.
3. What is the interest on the discount loan?
The calculation formula is as follows: discount amount = repaid loan interest ×( 1- provident fund loan interest rate ÷ commercial loan interest rate.
4. Discount rate of loan discount rate
In order to support a certain industry, the state subsidizes the loans of this industry. This kind of loans is called discount loans.
For example, in order to support agriculture (arouse farmers' enthusiasm for production), the state implements low-interest loans for purchasing seeds/fertilizers (in order to ensure the interests of banks, the state makes up for the lack of interest), and such loans obtained by farmers are discount loans.